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Loans Receivable and Allowance for Loan Losses (Tables) | 3 Months Ended
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Mar. 31, 2014
Receivables [Abstract] |
Company's Loan Portfolio | A summary of the Company’s loan portfolio at March 31, 2014 and December 31, 2013 is as follows:
|  | March 31, |  |  | December 31, |
(in thousands) |  | 2014 |  |  | 2013 |
Real Estate |  |  |  |  |  |  |  |
Commercial |  | $ | 218,051 |  |  | $ | 223,165 |
Residential |  |  | 103,019 |  |  |  | 106,198 |
Construction |  |  | 260 |  |  |  | 260 |
Construction to permanent |  |  | 12,650 |  |  |  | 11,303 |
Commercial |  |  | 38,752 |  |  |  | 35,061 |
Consumer home equity |  |  | 43,717 |  |  |  | 44,081 |
Consumer installment |  |  | 3,389 |  |  |  | 2,990 |
Total Loans |  |  | 419,838 |  |  |  | 423,058 |
Premiums on purchased loans |  |  | 182 |  |  |  | 200 |
Net deferred costs |  |  | 583 |  |  |  | 571 |
Allowance for loan losses |  |  | (5,480 | ) |  |  | (5,681 | )
Loans receivable, net |  | $ | 415,123 |  |  | $ | 418,148 |
Changes in the Allowance for Loan Losses for the Periods | The changes in the allowance for loan losses for the periods shown are as follows:
|  | Three months ended |
|  | March 31, |
(in thousands) |  | 2014 |  |  | 2013 |
Balance, beginning of period |  | $ | 5,681 |  |  | $ | 6,016 |
Provision for loan losses |  |  | — |  |  |  | (30 | )
Loans charged-off |  |  | (217 | ) |  |  | (306 | )
Recoveries of loans previously charged-off |  |  | 16 |  |  |  | 37 |
Balance, end of period |  | $ | 5,480 |  |  | $ | 5,717 |
Allowance for Loan Losses to Loan Portfolio Segment | The following table sets forth activity in our allowance for loan losses, by loan type, for the three months ended March 31, 2014. The following table also details the amount of loans receivable, net, that are evaluated individually, and collectively, for impairment, and the related portion of the allowance for loan losses that is allocated to each loan portfolio segment.
(in thousands) Three months ended March 31, 2014 |  | Commercial |  |  | Commercial Real Estate |  |  | Construction |  |  | Construction to Permanent |  |  | Residential |  |  | Consumer |  |  | Unallocated |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 2,285 |  |  | $ | 1,585 |  |  | $ | 260 |  |  | $ | 25 |  |  | $ | 795 |  |  | $ | 534 |  |  | $ | 197 |  |  | $ | 5,681 |
Charge-offs |  |  | (9 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (178 | ) |  |  | (30 | ) |  |  | — |  |  |  | (217 | )
Recoveries |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 15 |  |  |  | 1 |  |  |  | — |  |  |  | 16 |
Provision |  |  | 95 |  |  |  | (265 | ) |  |  | — |  |  |  | 9 |  |  |  | 72 |  |  |  | 34 |  |  |  | 55 |  |  |  | — |
Ending Balance |  | $ | 2,371 |  |  | $ | 1,320 |  |  | $ | 260 |  |  | $ | 34 |  |  | $ | 704 |  |  | $ | 539 |  |  | $ | 252 |  |  | $ | 5,480 |
Ending balance: individually evaluated for impairment |  | $ | 1,500 |  |  | $ | 17 |  |  | $ | 260 |  |  | $ | — |  |  | $ | 21 |  |  | $ | 2 |  |  | $ | — |  |  | $ | 1,800 |
Ending balance: collectively evaluated for impairment |  |  | 871 |  |  |  | 1,303 |  |  |  | — |  |  |  | 34 |  |  |  | 683 |  |  |  | 537 |  |  |  | 252 |  |  |  | 3,680 |
Total Allowance for Loan Losses |  | $ | 2,371 |  |  | $ | 1,320 |  |  | $ | 260 |  |  | $ | 34 |  |  | $ | 704 |  |  | $ | 539 |  |  | $ | 252 |  |  | $ | 5,480 |
Total Loans ending balance |  | $ | 38,752 |  |  | $ | 218,051 |  |  | $ | 260 |  |  | $ | 12,650 |  |  | $ | 103,019 |  |  | $ | 47,106 |  |  | $ | — |  |  | $ | 419,838 |
Ending balance: individually evaluated for impairment |  | $ | 6,052 |  |  | $ | 8,855 |  |  | $ | 260 |  |  | $ | — |  |  | $ | 5,179 |  |  | $ | 587 |  |  | $ | — |  |  | $ | 20,933 |
Ending balance : collectively evaluated for impairment |  | $ | 32,700 |  |  | $ | 209,196 |  |  | $ | — |  |  | $ | 12,650 |  |  | $ | 97,840 |  |  | $ | 46,519 |  |  | $ | — |  |  | $ | 398,905 |
The following table sets forth activity in our allowance for loan losses, by loan type, for the year ended December 31, 2013. The following table also details the amount of loans receivable, net, that are evaluated individually, and collectively, for impairment, and the related portion of the allowance for loan losses that is allocated to each loan portfolio segment.
(in thousands) 2013 |  | Commercial |  |  | Commercial Real Estate |  |  | Construction |  |  | Construction to Permanent |  |  | Residential |  |  | Consumer |  |  | Unallocated |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 942 |  |  | $ | 3,509 |  |  | $ | 311 |  |  | $ | 19 |  |  | $ | 897 |  |  | $ | 217 |  |  | $ | 121 |  |  | $ | 6,016 |
Charge-offs |  |  | (63 | ) |  |  | (403 | ) |  |  | (205 | ) |  |  | — |  |  |  | (919 | ) |  |  | (78 | ) |  |  | — |  |  |  | (1,668 | )
Recoveries |  |  | 4 |  |  |  | 335 |  |  |  | 20 |  |  |  | — |  |  |  | 1 |  |  |  | 3 |  |  |  | — |  |  |  | 363 |
Provision |  |  | 1,402 |  |  |  | (1,856 | ) |  |  | 134 |  |  |  | 6 |  |  |  | 816 |  |  |  | 392 |  |  |  | 76 |  |  |  | 970 |
Ending Balance |  | $ | 2,285 |  |  | $ | 1,585 |  |  | $ | 260 |  |  | $ | 25 |  |  | $ | 795 |  |  | $ | 534 |  |  | $ | 197 |  |  | $ | 5,681 |
Ending balance: individually evaluated for impairment |  | $ | 1,500 |  |  | $ | 31 |  |  | $ | 260 |  |  | $ | — |  |  | $ | 98 |  |  | $ | 2 |  |  | $ | — |  |  | $ | 1,891 |
Ending balance: collectively evaluated for impairment |  |  | 785 |  |  |  | 1,554 |  |  |  | — |  |  |  | 25 |  |  |  | 697 |  |  |  | 532 |  |  |  | 197 |  |  |  | 3,790 |
Total Allowance for Loan Losses |  | $ | 2,285 |  |  | $ | 1,585 |  |  | $ | 260 |  |  | $ | 25 |  |  | $ | 795 |  |  | $ | 534 |  |  | $ | 197 |  |  | $ | 5,681 |
Total Loans ending balance |  | $ | 35,061 |  |  | $ | 223,165 |  |  | $ | 260 |  |  | $ | 11,303 |  |  | $ | 106,198 |  |  | $ | 47,071 |  |  | $ | — |  |  | $ | 423,058 |
Ending balance: individually evaluated for impairment |  |  | 6,152 |  |  |  | 7,767 |  |  |  | 260 |  |  |  | 1,197 |  |  |  | 6,024 |  |  |  | 593 |  |  |  | — |  |  |  | 21,993 |
Ending balance : collectively evaluated for impairment |  | $ | 28,909 |  |  | $ | 215,398 |  |  | $ | — |  |  | $ | 10,106 |  |  | $ | 100,174 |  |  | $ | 46,478 |  |  | $ | — |  |  | $ | 401,065 |
Credit Risk Exposure of Loans Receivable, by Loan Type and Credit Quality Indicator | The following table details the credit risk exposure of loans receivable, by loan type and credit quality indicator at March 31, 2014: CREDIT RISK PROFILE BY CREDIT WORTHINESS CATEGORY
(in thousands) |  | Commercial |  |  | Commercial Real Estate |  |  | Construction |  |  | Construction to Permanent |  |  | Residential Real Estate |  |  | Consumer |  |  |  |
LTVs: |  | < 75% |  |  | >= 75% |  |  | < 75% |  |  | >= 75% |  |  | < 75% |  |  | >= 75% |  |  | < 75% |  |  | >= 75% |  |  | < 75% |  |  | >= 75% |  |  | < 75% |  |  | >= 75% |  |  | Other |  |  | Total |
Internal Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 27,343 |  |  | $ | 3,760 |  |  | $ | 195,649 |  |  | $ | 7,178 |  |  | $ | — |  |  | $ | — |  |  | $ | 8,050 |  |  | $ | 4,600 |  |  | $ | 81,304 |  |  | $ | 19,640 |  |  | $ | 42,661 |  |  | $ | 3,756 |  |  | $ | 654 |  |  | $ | 394,595 |
Special Mention |  |  | 159 |  |  |  | — |  |  |  | 5,774 |  |  |  | 2,477 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 8,410 |
Substandard |  |  | 7,490 |  |  |  | — |  |  |  | 3,664 |  |  |  | 3,309 |  |  |  | 60 |  |  |  | 200 |  |  |  | — |  |  |  | — |  |  |  | 1,576 |  |  |  | 499 |  |  |  | 35 |  |  |  | — |  |  |  | — |  |  |  | 16,833 |
|  | $ | 34,992 |  |  | $ | 3,760 |  |  | $ | 205,087 |  |  | $ | 12,964 |  |  | $ | 60 |  |  | $ | 200 |  |  | $ | 8,050 |  |  | $ | 4,600 |  |  | $ | 82,880 |  |  | $ | 20,139 |  |  | $ | 42,696 |  |  | $ | 3,756 |  |  | $ | 654 |  |  | $ | 419,838 |
CREDIT RISK PROFILE
|  | Commercial |  |  | Commercial Real Estate |  |  | Construction |  |  | Construction to Permanent |  |  | Residential |  |  |  |  |  |  |
(in thousands) |  |  |  |  |  | Real Estate |  |  | Consumer |  |  | Totals |
Performing |  | $ | 32,700 |  |  | $ | 216,302 |  |  | $ | — |  |  | $ | 12,650 |  |  | $ | 100,944 |  |  | $ | 47,076 |  |  | $ | 409,672 |
Non Performing |  |  | 6,052 |  |  |  | 1,749 |  |  |  | 260 |  |  |  | — |  |  |  | 2,075 |  |  |  | 30 |  |  |  | 10,166 |
Total |  | $ | 38,752 |  |  | $ | 218,051 |  |  | $ | 260 |  |  | $ | 12,650 |  |  | $ | 103,019 |  |  | $ | 47,106 |  |  | $ | 419,838 |
The following table details the credit risk exposure of loans receivable, by loan type and credit quality indicator at December 31, 2013: CREDIT RISK PROFILE BY CREDIT WORTHINESS CATEGORY
(in thousands) |  | Commercial |  |  | Commercial Real Estate |  |  | Construction |  |  | Construction to Permanent |  |  | Residential Real Estate |  |  | Consumer |  |  |  |
LTVs: |  | < 75% |  |  | >= 75% |  |  | < 75% |  |  | >= 75% |  |  | < 75% |  |  | >= 75% |  |  | < 75% |  |  | >= 75% |  |  | < 75% |  |  | >= 75% |  |  | < 75% |  |  | >= 75% |  |  | Other |  |  | Total |
Internal Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 23,493 |  |  | $ | 3,898 |  |  | $ | 199,118 |  |  | $ | 7,951 |  |  | $ | — |  |  | $ | — |  |  | $ | 10,106 |  |  | $ | — |  |  | $ | 82,704 |  |  | $ | 20,592 |  |  | $ | 42,542 |  |  | $ | 3,839 |  |  | $ | 650 |  |  | $ | 394,893 |
Special Mention |  |  | 167 |  |  |  | — |  |  |  | 6,573 |  |  |  | 2,502 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 9,242 |
Substandard |  |  | 7,503 |  |  |  | — |  |  |  | 3,690 |  |  |  | 3,331 |  |  |  | 60 |  |  |  | 200 |  |  |  | 1,197 |  |  |  | — |  |  |  | 1,976 |  |  |  | 926 |  |  |  | 9 |  |  |  | 31 |  |  |  | — |  |  |  | 18,923 |
|  | $ | 31,163 |  |  | $ | 3,898 |  |  | $ | 209,381 |  |  | $ | 13,784 |  |  | $ | 60 |  |  | $ | 200 |  |  | $ | 11,303 |  |  | $ | — |  |  | $ | 84,680 |  |  | $ | 21,518 |  |  | $ | 42,551 |  |  | $ | 3,870 |  |  | $ | 650 |  |  | $ | 423,058 |
CREDIT RISK PROFILE
|  | Commercial |  |  | Commercial Real Estate |  |  | Construction |  |  | Construction to Permanent |  |  | Residential |  |  |  |  |  |  |
(in thousands) |  |  |  |  |  | Real Estate |  |  | Consumer |  |  | Totals |
Performing |  | $ | 28,909 |  |  | $ | 221,401 |  |  | $ | — |  |  | $ | 10,106 |  |  | $ | 103,296 |  |  | $ | 47,038 |  |  | $ | 410,750 |
Non Performing |  |  | 6,152 |  |  |  | 1,764 |  |  |  | 260 |  |  |  | 1,197 |  |  |  | 2,902 |  |  |  | 33 |  |  |  | 12,308 |
Total |  | $ | 35,061 |  |  | $ | 223,165 |  |  | $ | 260 |  |  | $ | 11,303 |  |  | $ | 106,198 |  |  | $ | 47,071 |  |  | $ | 423,058 |
Delinquency Status, of Non-Accrual Loans and Past Due Matured Loans | The following table sets forth the detail, and delinquency status, of non-accrual loans and past due loans at March 31, 2014:
|  | Non-Accrual and Past Due Loans |
|  | Non-Accrual Loans |  |  |  |  |  |  |
(in thousands) 2014 |  | 31-60 Days Past Due |  |  | 61-90 Days Past Due |  |  | Greater Than 90 Days |  |  | Total Past Due |  |  | Current |  |  | >90 Days Past Due and Accruing |  |  | Total Non- Accrual and Past Due Loans |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Substandard |  | $ | — |  |  | $ | — |  |  | $ | 2 |  |  | $ | 2 |  |  | $ | 6,050 |  |  | $ | — |  |  | $ | 6,052 |
Total Commercial |  | $ | — |  |  | $ | — |  |  | $ | 2 |  |  | $ | 2 |  |  | $ | 6,050 |  |  | $ | — |  |  | $ | 6,052 |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Substandard |  | $ | — |  |  | $ | — |  |  | $ | 313 |  |  | $ | 313 |  |  | $ | 1,436 |  |  | $ | 834 |  |  | $ | 2,583 |
Total Commercial Real Estate |  | $ | — |  |  | $ | — |  |  | $ | 313 |  |  | $ | 313 |  |  | $ | 1,436 |  |  | $ | 834 |  |  | $ | 2,583 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Substandard |  | $ | — |  |  | $ | — |  |  | $ | 260 |  |  | $ | 260 |  |  | $ | — |  |  | $ | — |  |  | $ | 260 |
Total Construction |  | $ | — |  |  | $ | — |  |  | $ | 260 |  |  | $ | 260 |  |  | $ | — |  |  | $ | — |  |  | $ | 260 |
Residential Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Substandard |  | $ | — |  |  | $ | — |  |  | $ | 2,075 |  |  | $ | 2,075 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,075 |
Total Residential Real Estate |  | $ | — |  |  | $ | — |  |  | $ | 2,075 |  |  | $ | 2,075 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,075 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Substandard |  | $ | — |  |  | $ | — |  |  | $ | 2 |  |  | $ | 2 |  |  | $ | 28 |  |  | $ | — |  |  | $ | 30 |
Total Consumer |  | $ | — |  |  | $ | — |  |  | $ | 2 |  |  | $ | 2 |  |  | $ | 28 |  |  | $ | — |  |  | $ | 30 |
Total |  | $ | — |  |  | $ | — |  |  | $ | 2,652 |  |  | $ | 2,652 |  |  | $ | 7,514 |  |  | $ | 834 |  |  | $ | 11,000 |
The following table sets forth the detail, and delinquency status, of non-accrual loans and past due loans at December 31, 2013:
|  | Non-Accrual and Past Due Loans |
|  | Non-Accrual Loans |  |  |  |  |  |  |
(in thousands) 2013 |  | 31-60 Days Past Due |  |  | 61-90 Days Past Due |  |  | Greater Than 90 Days |  |  | Total Past Due |  |  | Current |  |  | >90 Days Past Due and Accruing |  |  | Total Non- Accrual and Past Due Loans |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 25 |  |  | $ | 25 |
Substandard |  |  | — |  |  |  | — |  |  |  | 2 |  |  |  | 2 |  |  |  | 6,150 |  |  |  | — |  |  |  | 6,152 |
Total Commercial |  | $ | — |  |  | $ | — |  |  | $ | 2 |  |  | $ | 2 |  |  | $ | 6,150 |  |  | $ | 25 |  |  | $ | 6,177 |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Substandard |  | $ | — |  |  | $ | — |  |  | $ | 1,764 |  |  | $ | 1,764 |  |  | $ | — |  |  | $ | 841 |  |  | $ | 2,605 |
Total Commercial Real Estate |  | $ | — |  |  | $ | — |  |  | $ | 1,764 |  |  | $ | 1,764 |  |  | $ | — |  |  | $ | 841 |  |  | $ | 2,605 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Substandard |  | $ | — |  |  | $ | — |  |  | $ | 260 |  |  | $ | 260 |  |  | $ | — |  |  | $ | — |  |  | $ | 260 |
Total Construction |  | $ | — |  |  | $ | — |  |  | $ | 260 |  |  | $ | 260 |  |  | $ | — |  |  | $ | — |  |  | $ | 260 |
Construction to Permanent |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Substandard |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1,197 |  |  | $ | — |  |  | $ | 1,197 |
Total Construction to Permanent |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1,197 |  |  | $ | — |  |  | $ | 1,197 |
Residential Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Substandard |  | $ | — |  |  | $ | — |  |  | $ | 2,523 |  |  | $ | 2,523 |  |  | $ | 379 |  |  | $ | — |  |  | $ | 2,902 |
Total Residential Real Estate |  | $ | — |  |  | $ | — |  |  | $ | 2,523 |  |  | $ | 2,523 |  |  | $ | 379 |  |  | $ | — |  |  | $ | 2,902 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Substandard |  | $ | — |  |  | $ | — |  |  | $ | 2 |  |  | $ | 2 |  |  | $ | 31 |  |  | $ | — |  |  | $ | 33 |
Total Consumer |  | $ | — |  |  | $ | — |  |  | $ | 2 |  |  | $ | 2 |  |  | $ | 31 |  |  | $ | — |  |  | $ | 33 |
Total |  | $ | — |  |  | $ | — |  |  | $ | 4,551 |  |  | $ | 4,551 |  |  | $ | 7,757 |  |  | $ | 866 |  |  | $ | 13,174 |
Delinquency Status of Loans Receivable, by Performing and Non-Performing Loans | The following table sets forth the detail and delinquency status of loans receivable, by performing and non-performing loans at March 31, 2014.
|  | Performing (Accruing) Loans |  |  |  |  |  |  |
(in thousands) 2014 |  | 31-60 Days Past Due |  |  | 61-90 Days Past Due |  |  | Total Past Due |  |  | Current |  |  | Total Performing Loans |  |  | Total Non- Accrual and Past Due Loans |  |  | Total Loans |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 120 |  |  | $ | — |  |  | $ | 120 |  |  | $ | 30,983 |  |  | $ | 31,103 |  |  | $ | — |  |  | $ | 31,103 |
Special Mention |  |  | 16 |  |  |  | — |  |  |  | 16 |  |  |  | 143 |  |  |  | 159 |  |  |  | — |  |  |  | 159 |
Substandard |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,438 |  |  |  | 1,438 |  |  |  | 6,052 |  |  |  | 7,490 |
Total Commercial |  | $ | 136 |  |  | $ | — |  |  | $ | 136 |  |  | $ | 32,564 |  |  | $ | 32,700 |  |  | $ | 6,052 |  |  | $ | 38,752 |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 654 |  |  | $ | 1,188 |  |  | $ | 1,842 |  |  | $ | 200,986 |  |  | $ | 202,828 |  |  | $ | — |  |  | $ | 202,828 |
Special Mention |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 8,251 |  |  |  | 8,251 |  |  |  | — |  |  |  | 8,251 |
Substandard |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 4,389 |  |  |  | 4,389 |  |  |  | 2,583 |  |  |  | 6,972 |
Total Commercial Real Estate |  | $ | 654 |  |  | $ | 1,188 |  |  | $ | 1,842 |  |  | $ | 213,626 |  |  | $ | 215,468 |  |  | $ | 2,583 |  |  | $ | 218,051 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Substandard |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 260 |  |  | $ | 260 |
Total Construction |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 260 |  |  | $ | 260 |
Construction to Permanent |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 12,650 |  |  | $ | 12,650 |  |  | $ | — |  |  | $ | 12,650 |
Total Construction to Permanent |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 12,650 |  |  | $ | 12,650 |  |  | $ | — |  |  | $ | 12,650 |
Residential Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 53 |  |  | $ | — |  |  | $ | 53 |  |  | $ | 100,891 |  |  | $ | 100,944 |  |  | $ | — |  |  | $ | 100,944 |
Substandard |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,075 |  |  |  | 2,075 |
Total Residential Real Estate |  | $ | 53 |  |  | $ | — |  |  | $ | 53 |  |  | $ | 100,891 |  |  | $ | 100,944 |  |  | $ | 2,075 |  |  | $ | 103,019 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 4 |  |  | $ | — |  |  | $ | 4 |  |  | $ | 47,067 |  |  | $ | 47,071 |  |  | $ | — |  |  | $ | 47,071 |
Substandard |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 5 |  |  |  | 5 |  |  |  | 30 |  |  |  | 35 |
Total Consumer |  | $ | 4 |  |  | $ | — |  |  | $ | 4 |  |  | $ | 47,072 |  |  | $ | 47,076 |  |  | $ | 30 |  |  | $ | 47,106 |
Total |  | $ | 847 |  |  | $ | 1,188 |  |  | $ | 2,035 |  |  | $ | 406,803 |  |  | $ | 408,838 |  |  | $ | 11,000 |  |  | $ | 419,838 |
The following table sets forth the detail and delinquency status of loans receivable by performing and non-performing loans at December 31, 2013.
|  | Performing (Accruing) Loans |  |  |  |  |  |  |
(in thousands) 2013 |  | 31-60 Days Past Due |  |  | 61-89 Days Past Due |  |  | Total Past Due |  |  | Current |  |  | Total Loan Balances |  |  | Total Non- Accrual and Past Due Loans |  |  | Total Loans Receivable |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 725 |  |  | $ | — |  |  | $ | 725 |  |  | $ | 26,641 |  |  | $ | 27,366 |  |  | $ | 25 |  |  | $ | 27,391 |
Special Mention |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 167 |  |  |  | 167 |  |  |  | — |  |  |  | 167 |
Substandard |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,351 |  |  |  | 1,351 |  |  |  | 6,152 |  |  |  | 7,503 |
Total Commercial |  | $ | 725 |  |  | $ | — |  |  | $ | 725 |  |  | $ | 28,159 |  |  | $ | 28,884 |  |  | $ | 6,177 |  |  | $ | 35,061 |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 1,858 |  |  | $ | 266 |  |  | $ | 2,124 |  |  | $ | 204,944 |  |  | $ | 207,068 |  |  | $ | — |  |  | $ | 207,068 |
Special Mention |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 9,075 |  |  |  | 9,075 |  |  |  | — |  |  |  | 9,075 |
Substandard |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 4,417 |  |  |  | 4,417 |  |  |  | 2,605 |  |  |  | 7,022 |
Total Commercial Real Estate |  | $ | 1,858 |  |  | $ | 266 |  |  | $ | 2,124 |  |  | $ | 218,436 |  |  | $ | 220,560 |  |  | $ | 2,605 |  |  | $ | 223,165 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Substandard |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 260 |  |  | $ | 260 |
Total Construction |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 260 |  |  | $ | 260 |
Construction to Permanent |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 10,106 |  |  | $ | 10,106 |  |  | $ | — |  |  | $ | 10,106 |
Substandard |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,197 |  |  |  | 1,197 |
Total Construction to Permanent |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 10,106 |  |  | $ | 10,106 |  |  | $ | 1,197 |  |  | $ | 11,303 |
Residential Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 32 |  |  | $ | — |  |  | $ | 32 |  |  | $ | 103,264 |  |  | $ | 103,296 |  |  | $ | — |  |  | $ | 103,296 |
Substandard |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,902 |  |  |  | 2,902 |
Total Residential Real Estate |  | $ | 32 |  |  | $ | — |  |  | $ | 32 |  |  | $ | 103,264 |  |  | $ | 103,296 |  |  | $ | 2,902 |  |  | $ | 106,198 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 350 |  |  | $ | 560 |  |  | $ | 910 |  |  | $ | 46,121 |  |  | $ | 47,031 |  |  | $ | — |  |  | $ | 47,031 |
Substandard |  |  | 7 |  |  |  | — |  |  |  | 7 |  |  |  | — |  |  |  | 7 |  |  |  | 33 |  |  |  | 40 |
Total Consumer |  | $ | 357 |  |  | $ | 560 |  |  | $ | 917 |  |  | $ | 46,121 |  |  | $ | 47,038 |  |  | $ | 33 |  |  | $ | 47,071 |
Total |  | $ | 2,972 |  |  | $ | 826 |  |  | $ | 3,798 |  |  | $ | 406,085 |  |  | $ | 409,884 |  |  | $ | 13,174 |  |  | $ | 423,058 |
Summarizes Impaired Loans | The following table summarizes impaired loans as of March 31, 2014:
(in thousands) |  |  |  |  |  |  |  |  |
|  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 2 |  |  | $ | 160 |  |  | $ | — |
Commercial Real Estate |  |  | 8,699 |  |  |  | 9,537 |  |  |  | — |
Construction |  |  | — |  |  |  | — |  |  |  | — |
Construction to Permanent |  |  | — |  |  |  | — |  |  |  |  |
Residential |  |  | 4,680 |  |  |  | 7,203 |  |  |  | — |
Consumer |  |  | 585 |  |  |  | 664 |  |  |  | — |
Total: |  | $ | 13,966 |  |  | $ | 17,564 |  |  | $ | — |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 6,050 |  |  | $ | 6,050 |  |  | $ | 1,500 |
Commercial Real Estate |  |  | 156 |  |  |  | 210 |  |  |  | 17 |
Construction |  |  | 260 |  |  |  | 487 |  |  |  | 260 |
Construction to Permanent |  |  | — |  |  |  | — |  |  |  | — |
Residential |  |  | 499 |  |  |  | 545 |  |  |  | 21 |
Consumer |  |  | 2 |  |  |  | 2 |  |  |  | 2 |
Total: |  | $ | 6,967 |  |  | $ | 7,294 |  |  | $ | 1,800 |
Commercial |  | $ | 6,052 |  |  | $ | 6,210 |  |  | $ | 1,500 |
Commercial Real Estate |  |  | 8,855 |  |  |  | 9,747 |  |  |  | 17 |
Construction |  |  | 260 |  |  |  | 487 |  |  |  | 260 |
Construction to Permanent |  |  | — |  |  |  | — |  |  |  | — |
Residential |  |  | 5,179 |  |  |  | 7,748 |  |  |  | 21 |
Consumer |  |  | 587 |  |  |  | 666 |  |  |  | 2 |
Total: |  | $ | 20,933 |  |  | $ | 24,858 |  |  | $ | 1,800 |
Impaired loans consist of non-accrual loans, TDRs and loans that were previously classified as TDRs that have been upgraded. The following table summarizes impaired loans as of December 31, 2013:
(in thousands) |  |  |
|  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 2 |  |  | $ | 151 |  |  | $ | — |
Commercial Real Estate |  |  | 7,597 |  |  |  | 8,316 |  |  |  | — |
Construction |  |  | — |  |  |  | — |  |  |  | — |
Construction to Permanent |  |  | 1,197 |  |  |  | 1,425 |  |  |  | — |
Residential |  |  | 5,098 |  |  |  | 7,632 |  |  |  | — |
Consumer |  |  | 591 |  |  |  | 670 |  |  |  | — |
Total: |  | $ | 14,485 |  |  | $ | 18,194 |  |  | $ | — |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 6,150 |  |  | $ | 6,150 |  |  | $ | 1,500 |
Commercial Real Estate |  |  | 170 |  |  |  | 215 |  |  |  | 31 |
Construction |  |  | 260 |  |  |  | 487 |  |  |  | 260 |
Construction to Permanent |  |  | — |  |  |  | — |  |  |  | — |
Residential |  |  | 926 |  |  |  | 1,066 |  |  |  | 98 |
Consumer |  |  | 2 |  |  |  | 2 |  |  |  | 2 |
Total: |  | $ | 7,508 |  |  | $ | 7,920 |  |  | $ | 1,891 |
Commercial |  | $ | 6,152 |  |  | $ | 6,301 |  |  | $ | 1,500 |
Commercial Real Estate |  |  | 7,767 |  |  |  | 8,531 |  |  |  | 31 |
Construction |  |  | 260 |  |  |  | 487 |  |  |  | 260 |
Construction to Permanent |  |  | 1,197 |  |  |  | 1,425 |  |  |  | — |
Residential |  |  | 6,024 |  |  |  | 8,698 |  |  |  | 98 |
Consumer |  |  | 593 |  |  |  | 672 |  |  |  | 2 |
Total: |  | $ | 21,993 |  |  | $ | 26,114 |  |  | $ | 1,891 |
Total Troubled Debt Restructured Loans Included in Impaired Loans | The following table presents the total troubled debt restructured loans as of March 31, 2014:
|  | Accrual |  |  | Non-accrual |  |  | Total |
|  | # of |  |  |  |  |  | # of |  |  |  |  |  | # of |  |  |  |
(Dollars in thousands) |  | Loans |  |  | Amount |  |  | Loans |  |  | Amount |  |  | Loans |  |  | Amount |
Commercial Real Estate |  |  | 2 |  |  | $ | 2,128 |  |  |  | 1 |  |  | $ | 1,280 |  |  |  | 3 |  |  | $ | 3,408 |
Total Troubled Debt Restructurings |  |  | 2 |  |  | $ | 2,128 |  |  |  | 1 |  |  | $ | 1,280 |  |  |  | 3 |  |  | $ | 3,408 |
The following table presents the total troubled debt restructured loans as of December 31, 2013:
|  | Accrual |  |  | Non-accrual |  |  | Total |
|  | # of |  |  |  |  |  | # of |  |  |  |  |  | # of |  |  |  |
(Dollars in thousands) |  | Loans |  |  | Amount |  |  | Loans |  |  | Amount |  |  | Loans |  |  | Amount |
Construction to permanent |  |  | 1 |  |  | $ | 991 |  |  |  | 1 |  |  | $ | 1,197 |  |  |  | 2 |  |  | $ | 2,188 |
Total Troubled Debt Restructurings |  |  | 1 |  |  | $ | 991 |  |  |  | 1 |  |  | $ | 1,197 |  |  |  | 2 |  |  | $ | 2,188 |
Summarizes Loans that were Modified in a Troubled Debt Restructuring | The following table summarizes loans that were modified in a troubled debt restructuring during the three months ended March 31, 2014.
|  | Three months ended March 31, 2014 |
|  |  |  |  | Pre-Modification |  |  |  |  |  | Post-Modification |
|  | Number of |  |  | Outstanding Recorded |  |  | Number of |  |  | Outstanding Recorded |
(Dollars in thousands) |  | Relationships |  |  | Investment |  |  | Relationships |  |  | Investment |
Troubled Debt Restructurings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Real Estate |  |  | 2 |  |  | $ | 2,439 |  |  |  | 2 |  |  | $ | 2,430 |
Total Troubled Debt Restructurings |  |  | 2 |  |  | $ | 2,439 |  |  |  | 2 |  |  | $ | 2,430 |

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